Foreclosure gridlock threatens economy.

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Like a lot of Americans, Anne Violette is having trouble with her mortgage.

Violette, a self-employed photographer, moved to Delray Beach, Fla., in 2004 and bought a home with a 30-year fixed-rate loan. A year later, she said, a friend in the mortgage industry sold her on the idea of refinancing with an adjustable-rate mortgage that saved her hundreds of dollars a month.

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